Rafael De Castro Email and Phone Number

AVP and Chief Financial Officer of the MetLife Gulf companies, based in Dubai (UAE) and operating in UAE, Qatar (including QFC license), Bahrain, Oman and Kuwait, managing a multicultural team of 34 people to support the management of accounting on USGAAP and IFRS, treasury, actuarial valuation (including product pricing review and approval), reporting (internal both at local / IFRS and USGAAP level, for local regulators and external auditors, dealing with local insurance regulator) and financial planning of the business, as well as monthly and quarterly P&L preparation and account review providing understanding of the sources of profit and evolution of the business (premium income USD 1 billion). Member of the Board of Directors, Executive Committee, Product Committee, Risk, Investments and Audit Committee and Product Committee.

Technical manager / Chief actuary managing two areas with a team of 9 people (4 qualified actuaries) , member of the Board of Directors and from November 2012 assuming a role for the Iberian operation including Spain and Portugal ; 1.- Actuarial; focus on valuation, financial planning working closely with local CFO, monthly and quarterly P&L account review providing understanding of the sources of profit and evolution to local CFO and CEO, solvency and technical main indicators (lapses / persistency / OPEX) monitoring, as well as strong involvement in projects as LESS (European integration) and Solvency II implementation providing support to central teams.2.- Product development and group underwriting; focus on developing products for 4 distribution channels (agency, brokerage, direct marketing and financial institution) and 5 lines of business (individual life and savings, group life and medical, group pension, credit life and personal accidents) involving pricing, approval, implementation and monitoring (Return on economic capital benchmarks), reinsurance management.3.- From November 2012, Iberian Actuarial Manager (Spain and Portugal), leading a 4 actuaries team focused on actuarial issues.

Senior actuary, In charge of Actuarial Services with focus on pricing and actuarial analysis in the Development and Product Researching Department

1.- Junior actuary, Life Department, Individual Business, Novembre-1992 /January 1994.2.- In charge of International Group Life Business, focus to provide employee benefits solutions to multinationals, January-1994 / January-1997.3.- In charge of Group Life Business, managing all the aspects related employee benefits business (pricing and administration) leading a team of 6 people, April-1994 / January-1997.4.- In charge of Technical-Administration Office, developing and implementing employee benefits agreements, internally leading a team of 6 people, monitoring on results; Group Life and Pensions Department, January-1997 / March-1998.

Internal Auditor in the financial department in charge of process and accounting audit, March-1992 / November 1992.